Best Petrol Credit Cards in Singapore in 2025
Updated: 23 Jun 2025
Card | Hot Reward Pick | SingSaver Reward | Fuel Savings | Cashback Local | Cashback Petrol | |||
|---|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card | S$999 | - | Up to8 % | Up to 8 % | |||
 | Maybank Family & Friends Card | - | - | - | 8 % | - | ||
 | OCBC 365 Credit Card | S$369 | Up to26.8 % | Up to6 % | 6 % | |||
 | DBS Esso Card | - | - | Up to21.6 % | 0.4 % | 3.6 % | ||
 | UOB One Card | - | S$350 | Up to21.15 % | Up to10 % | - | ||
 | OCBC Frank Card | - | - | - | Up to10 % | - | ||
 | POSB Everyday Card | S$899 | Up to20.1 % | Up to10 % | Up to 20.1 % |
Get the best credit card to meet your spending goals.
Looking to maximise your cashback? Or maybe you want to earn more miles? We’ve got you covered with the best credit card comparisons in Singapore!
Best Credit Card for Caltex
OCBC 365 Credit Card
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- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Minimum Payment: S$50
- Late Payment Charge: S$100
- Interest on Cash Advance: 28.92 %
- Interest Free Period: 23 days
- Interest on Purchase: 27.78 %
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: S$15
- Monthly Spend Required: S$800
- Minimum Annual Income: S$30,000
- Minimum Age: 21 years old
Best Credit Card for Esso
DBS Esso Card
- Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.
- Auto-enrolment into the Esso Smiles Driver Rewards programme.
- Earn Smiles Points on all Esso fuel spend and card retail spend.
- Get interest-free payment plans for motor insurance and road tax.
- Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.
- 18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 27.8 %
- Interest on Cash Advance: 28.5 %
- Interest Free Period: 25 days
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: S$15
- Minimum Annual Income: S$30,000
- Minimum Age: 21 years old
Best Credit Card for Shell
UOB One Card
- Earn up to 10% cashback on dining, online shopping, groceries, health and beauty, convenience stores, transport, utilities and more
- Up to 4.33% cashback on Singapore Power utilities bill.
- Up to 3.33% cashback on all retail spend.
- Petrol savings of up to 24% at Shell and SPC.
- Greater savings with up to 6.0% p.a. interest with UOB One Account+.
- Spend at least $500 monthly based on your qualifying quarter to enjoy up to 10% cashback.
- Awarding of cash rebate only comes every quarter.
- Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 27.8 %
- Interest on Cash Advance: 28.5 %
- Interest Free Period: 21 days
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: S$15
- Monthly Spend Required: Tiered S$500 +
- Minimum Annual Income: S$30,000
- Minimum Age: 21 years old
Best Credit Card for Sinopec
OCBC 365 Credit Card
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Minimum Payment: S$50
- Late Payment Charge: S$100
- Interest on Cash Advance: 28.92 %
- Interest Free Period: 23 days
- Interest on Purchase: 27.78 %
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: S$15
- Monthly Spend Required: S$800
- Minimum Annual Income: S$30,000
- Minimum Age: 21 years old
Best Credit Card for SPC
POSB Everyday Card
- Earn 10% cash rebates on food delivery via foodpanda, Deliveroo and WhyQ.
- 3% cash rebate granted for dining spend (excluding fast food spend).
- Enjoy 8% cash rebates on Shopee, Lazada, Amazon.sg, Qoo10, RedMart, iHerb, Taobao and Popular Online Store.
- Get 5% cash rebates at Sheng Siong supermarkets.
- Up to 3% cash rebates on your utilities and telecommunication payments.
- Earn 6% cash rebates at SPC and 0.3% cash rebates at Watson.
- 0.3% cash rebates on all other transactions.
- Cash rebates never expire.
- Read our full review of the POSB Everyday Card.
- Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
- S$15 monthly cash rebate cap for dining and online spending categories respectively.
- S$30 monthly cash rebate cap for groceries.
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 27.8 %
- Interest on Cash Advance: 28.5 %
- Interest Free Period: 25 days
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Cash Advance Service Charge: 8 %
- Monthly Spend Required: S$800
- Minimum Annual Income: S$30,000
- Minimum Age: 21 years old
Should I get a petrol station credit card?
If you want to save on petrol, an alternative to bank credit cards is dedicated petrol station credit cards. These cards typically offer discounts on petrol prices at the issuer’s locations (unless they hold multiple cards).
Petrol station credit cards typically offer higher discounts at specific petrol stations and may offer rewards or points for petrol purchases. However, they are limited to specific petrol stations (for example, an SPC&U cardholder would enjoy discounts on SPC petrol but not at Shell or ESSO) which makes them less flexible and tied to specific petrol brands.
General cashback or credit cards, while offering lower petrol discounts or cashback in comparison, tend to also offer rewards or cashback on various spending categories. This makes them a more versatile option for everyday spend. They’re also widely accepted and can be used for purchasing petrol across different petrol stations and chains.
Let's say you spend S$200 per month on petrol. Here's a comparison of potential savings with different card types and petrol prices:
|
Petrol price (per litre) |
Petrol station card (5% discount) |
General cashback card (2% cashback) |
|
S$2.50 |
S$10 savings |
S$4 cashback |
|
S$3.00 |
S$12 savings |
S$4.80 cashback |
|
S$3.50 |
S$14 savings |
S$5.60 cashback |
As you can see, a petrol station card might be more worth it if petrol is a significant portion of your monthly spend. While the cashback from general cashback cards is much lower, keep in mind that these can be used to get cashback across various purchases and businesses too, which adds up over time. If gas prices increase, general cashback cards may even offer higher rewards due to the higher spending amount.
What counts as 'GAS' for bonus credit card rewards?
In Singapore, "gas" typically refers to petrol purchased at petrol stations. Rewards for gas purchases are usually calculated based on the transaction amount at the petrol station.
Some credit cards may have specific conditions or exclusions for gas rewards, such as minimum spending requirements or caps on rewards earned. It also depends on the card issuer’s policy and the merchant category code used in the petrol station. It's essential to read the card terms and conditions carefully to understand how gas rewards are calculated and redeemed.
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.